Lloyds TSB Bank Charges - Has anyone got them back?

notaltsbfan

Hi all,

Just wanted to know if anyone has had any luck with the hardship route with LTSB. I am quite far into the proceedings but they are being very awkward.

I have sent 6 letters to them now (although I dont expect they are going to refund my charges now it gives me some satisfaction to make work for them). Every time I get a generic letter back with some added bits. They always say thanks for writing to us again. Last time I called them unhelpful and obtuse, so they wrote to me saying 'we are sorry on this occasion you have found us to be unhelpful and obtuse'. At least they have a slight sense of humour.

I have gone to the ombudsman now, and have recieved a letter saying details have been requested from LTSB. I do think i am in hardship, mainly under the over £500 in a year of charges and living on credit card fronts.

What is the Ombudsman's stance at the moment? Are they likely to back me up? I am absolutely poor and could do with the £1.5k they have stolen from me!

Thanks!

natweststaffmember

notaltsbfan wrote: »

Hi all,

Just wanted to know if anyone has had any luck with the hardship route with LTSB. I am quite far into the proceedings but they are being very awkward.

I have sent 6 letters to them now (although I dont expect they are going to refund my charges now it gives me some satisfaction to make work for them). Every time I get a generic letter back with some added bits. They always say thanks for writing to us again. Last time I called them unhelpful and obtuse, so they wrote to me saying 'we are sorry on this occasion you have found us to be unhelpful and obtuse'. At least they have a slight sense of humour.

I have gone to the ombudsman now, and have recieved a letter saying details have been requested from LTSB. I do think i am in hardship, mainly under the over £500 in a year of charges and living on credit card fronts.

What is the Ombudsman's stance at the moment? Are they likely to back me up? I am absolutely poor and could do with the £1.5k they have stolen from me!

Thanks!

Do you have any priority debt arrears(mortgage/rent. council tax, utilities)?

notaltsbfan

Not really. I have 2 credit cards (both bad credit ones - Vanquis and Capital one).

I have a closed LTSB Credit card with an outstanding balance of £2k arrange to pay £10/month.

I have a natwest debt with Robinson Way debt collectors arrange to pay £30/month but they want more.

I owe family £3k (which i'm sure they wont count).

I have an old BT account with a balance of c. £200 but I dispute the debt (but that is with the debt collectors too).

I used to live with friends but had to move back with parents due to money issues.

LTSB acknowledged my financial hardship and downgraded my account to a control account which is free and any charges are now lower than standard, although the Andover reclaim department will not acknowledge financial hardship (they mentioned it in 1 of the 6 letters I have, saying somebody would call to discuss. The person that did went through my income and expenditure and agreed that I was in hardship and they would ask the people in the reclaim department to reassess. I never heard back from them about that (at least 8 weeks ago).

notaltsbfan

Although when they downgraded my bank account they upgraded my bank card from hole-in-the-wall to a visa. Thought this was odd but I did read that the hole-in-the-wall cards were also indicative of hardship to some extent... The suspicious side of me would suggest they knew that.

natweststaffmember

On the face of it, it doesn't look like financial hardship because there are no priority debt arrears.